360° Financial Planning and Cash Flow Analysis

Comprehensive wealth management that touches and integrates each aspect of your financial life

Erica Cameron, Partner

A Road Map for Preserving, Protecting, and Growing Your Wealth

Successfully navigating the financial challenges that come with wealth involves planning, relevant advice, and an advisor who’s not afraid to say “no” when you ask, “can I afford this?” Cerity Partners does all three.

  • Personal business assets
  • Savings and expenditures
  • Investments
  • Compensation packages
  • Retirement accounts
  • Debt and tax obligations
  • Estate plans

A sound financial plan helps you prepare for your future while enjoying your today.

Comprehensive Financial Planning — A More Efficient Way to Manage Your Wealth

Due to the complexity of your personal financial situation, you’re likely coordinating multiple advisors, each with their own area of focus. We believe there is a better way.

Streamlined Coordination and Execution

You talk to us. We listen then talk to everyone else. Your dedicated advisory team collaborates with our in-house specialists and your existing advisors to manage your plan and keep your financial life moving forward.

Comprehensive, Consolidated Reporting

While you’ll still receive your statements and policies, our reporting system consolidates the information for your review and convenience. We track and summarize your finances so you always know exactly where you stand today and the progress you’re making towards your goals.

Ongoing monitoring

Your plan is no good if it gathers dust on the shelf. It needs to evolve with the expected and unexpected events of your life. We meet with you regularly to review and update your plan for changes in your goals, professional life, family situation, or tax law.

Impactful Advice. Integrated Solutions. Simplified Administration.

Each aspect of your financial life plays a distinct role in preserving, protecting, and growing your wealth. Moreover, the decisions you make in one area often impact the others. Through our comprehensive financial planning and analysis, we help you understand these connections and incorporate them into your wealth management strategy.

1

Cash Flow Analysis

Understanding your current financial situation is the first step in creating a plan to achieve your goals. This understanding comes through assessing your family’s net worth and spending habits as well as income and expense projections. We also review your existing debt obligations and the potential impact of any new liabilities.

2

Tax Planning and Preparation

Planning to start a business? Just had a liquidity event? Considering an 83(b) election? Whatever your situation, we help you put the strategies in place to minimize your current and future tax liabilities. Our tax planning services also include detailed tax projections and the preparation of your personal, business, and trust returns

3

Investment Management

Building an all-weather portfolio requires taking a collective look at all your investments, including benefit and retirement plan accounts, IRAs, and personal investments. We evaluate your entire investment landscape and structure our asset allocations accordingly, taking into account employer stock and other concentrated securities.

4

Risk Management and Insurance Planning

Having the proper type of insurance is essential for protecting yourself and your loved ones from life’s unexpected events. Equally important is how your assets are titled. We assess the adequacy of your current coverage, help you close any gaps, and implement asset protection strategies to better safeguard your family, business, and property.

5

Estate Planning and Wealth Transfer

It’s difficult to imagine life after you’re gone. But that’s precisely why estate planning is so important. Without a plan, taxes may erode your wealth, and your family members and charitable causes may not be cared for in the way you intended. Our advanced planning and wealth preservation solutions help ensure this doesn’t happen.

6

Retirement Planning

Am I saving enough now to generate the income needed for the lifestyle I want in retirement? That’s the burning question for most people—and one we help answer. We work with you today to make sure you’re contributing enough to comfortably meet your retirement needs, taking into account any executive compensation plans. Then when the time comes, we’ll help you select and execute the best funding strategy for your goals.

Explore Our Offerings for Individuals and Families

Steve Kurosko

Partner & Market Leader

Investing

Socially Responsible Investing

An impactful strategy for individuals, retirement plans and nonprofits.

Paul Chmielewski

Partner

Estate Planning

Estate Planning Documents Everyone Should Have

The basic message is that most people think estate planning is important but are often confused about how to get it done. So, what are the basic estate planning documents every adult should have?

Daniel Park and Cheryl Donaldson

Financial Planning

Ways to “Supercharge” Your 401(k)

A traditional pre-tax dollar funded 401(k) will grow tax-free over its lifetime, however there are factors to consider that could "supercharge" your 401(k) growth.

Paul Chmielewski

Partner

Insurance Planning & Risk Management

When It Comes to LLCs, Pay Attention to Liability Direction

When properly structured, the use of SMLLCs in conjunction with an MMLLC provides important upward and downward liability protection benefits while reducing the number of tax returns that need to be prepared.

Steve Walker

Partner

Tax Strategies

Evaluating your Tax Advisor

Good advisors understand that every day is tax season. They are tax planners, not historians, helping you make sound decisions that minimize your current and future taxes and maximize your wealth.

Mimi Drake and EmJay Williams

Family Office

Engaging the Next Generation on Family Wealth 

Teaching young adult children about wealth can be a challenge. Although circumstances may vary, most families want to impart on their children a solid understanding of their wealth, creating opportunities for younger generations to continue growing the family’s resources.

Brett Dearing

Partner

Business Owner Advisory

How To Protect Profit Margins Heading into a Recession

As economic indicators continue to reinforce signs of recession, business owners should start thinking vertically about operational processes and procedures. This article outlines how business owners can improve operation efficiency and effectiveness to protect profit margins and revenue growth.

Judith Gordon

Principal

Estate Planning

Estate Planning Strategies for Married Couples in the New Decade

For the first half of the new decade a married couple may be able to transfer approx. $23 million without triggering any federal estate tax for their heirs.

Andrew Fisher

Partner

Cross-Border Planning

Warning Signs for American Expat Investors Working with Large U.S. Investment Firms

Investors who chose to live overseas or anywhere outside the U.S. border face inevitable complications to their financial life. There are seven warning signs that can help safeguard you against firms that should be avoided.

Related Posts (accordion)

Tablist help: use the accordion controls to toggle the visibility of their respective panels (below the controls).

Curious about learning more? Let’s talk.

Tell us about yourself and your current financial situation without cost or obligation. Receive an introduction to a wealth management colleague, have a personal conversation, and get your questions answered.

Photo of Matt Olver

Matt Olver

Partner

By clicking “Submit”, you acknowledge that we collect your name, email address and phone number to respond to your inquiries and provide you information about our products and services in accordance with our Privacy Policy. If you are a California resident, please see our CCPA Notice to California Residents.

Curious about learning more? Let’s talk.

Tell us about yourself and your current financial situation without cost or obligation. Receive an introduction to a wealth management colleague, have a personal conversation, and get your questions answered.

By clicking “Submit”, you acknowledge that we collect your name, email address and phone number to respond to your inquiries and provide you information about our products and services in accordance with our Privacy Policy. If you are a California resident, please see our CCPA Notice to California Residents.